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If you’re still making payments to an education loan lender every month, you’re not alone. According to a study by NerdWallet, an online personal finance company, the average U.S. household has $130,922 in debt–$48,172 of which is attributable to student loans. It’s a hefty burden to carry, and it’s smart to chip away at it by making more than the minimum payment whenever you can.

Many kinds of credit lines and installment loans offer credit insurance. These products are designed to “protect” an individual’s credit score by covering installment payments in case of certain qualifying situations.

The notion of a 40-hour workweek is disappearing for many. 50+ hour work-weeks have become common. Many individuals go so far as to sleep with their iPhones turned on so they can respond instantly, 24/7, as needed.

We’re all mortal. We know that we’ll have to face that fact… someday…But planning for our life’s end is difficult to grapple with. It’s why so many of us haven’t taken the time to craft a will or trust.